Citizens Bank of Morgantown, Inc.: how it compares with its peers
Against 542 U.S. banks with half to twice its assets, Citizens Bank of Morgantown, Inc.'s strongest measure in Q2 2026 is net interest margin (4.93% vs. a 3.86% peer median). Its weakest relative measure is assets per employee ($5.3M vs. $6.1M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.13% | 1.04% | Middle third Ahead of 55% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.93% | 3.86% | Top third Ahead of 86% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 69.04% | 69.40% | Middle third Ahead of 52% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.3M | $6.1M | Middle third Ahead of 38% of peers |
| Loans to deposits Net loans and leases over total deposits. | 91.65% | 67.33% | Context |
What it means for lending operations
Its efficiency ratio of 69.04% is better than the 69.40% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The First National Bank of Wakefield Wakefield, MI · $53M
- Lovelady State Bank Lovelady, TX · $53M
- The Exchange State Bank Springville, IA · $53M
- Bryant State Bank Bryant, SD · $53M
- Echelon Bank Clearwater, FL · $52M
- Tecumseh Federal Bank Tecumseh, NE · $53M
Questions about Citizens Bank of Morgantown, Inc.
How big is Citizens Bank of Morgantown, Inc.?
Citizens Bank of Morgantown, Inc., established in 1979, is headquartered in Morgantown, WV. It reported $53M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Citizens Bank of Morgantown, Inc.'s return on assets?
1.13% annualized in Q2 2026, against a 1.04% median for 542 U.S. banks with half to twice its assets, ahead of 55% of them.
What is Citizens Bank of Morgantown, Inc.'s efficiency ratio?
69.04% in Q2 2026: it spent about 69 cents in noninterest expense for each dollar of revenue. The peer median is 69.40%, and lower is better.
Is Citizens Bank of Morgantown, Inc. growing its loans?
Net loans grew 7.4% over the year to Q2 2026, while deposits grew 0.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every West Virginia bank ranked.